Can I talk to a human about my life insurance needs?

Of course! We have Customer Care Advisors available to assist you with any questions or concerns that you may have. Give us a call or text at 1-833-300-0603.

Do you look at my credit score?

Insurers look at the data behind your credit score (like timeliness of payments or if you’ve filed for bankruptcy), but not your credit score itself. Instead, they use this data to assign their own score, called a “mortality score”, to determine your level of risk. To be clear, the request for this data is only a soft credit inquiry, so this doesn’t impact your credit.

Are there any differences between Bestow and other online life insurance agencies?

We sure think so. Bestow’s application process is entirely online. Seriously, 100%. Many companies offer an indicative quote online but then refer applicants to an agent or doctor in order to finish the application process. Other online life insurance companies may still require a medical exam for certain coverage amounts or applicants. With Bestow, every applicant gets a decision in minutes.

Does Bestow require a long-term commitment? What if I can’t afford my premium one month?

Each policy has a 30-day free look period. This means that you are eligible for a full refund if you cancel within the first 30 days after purchasing. If you ever can’t afford to make a premium payment, your coverage will continue through a “grace period” (60 days) from the date of your last payment. As long as your premium is paid during the grace period, coverage remains uninterrupted. Any missed premiums throughout the term are deducted from the death benefit in the event of a claim.

How long does the application process take?

As fast as 5 minutes! We’ve worked hard to make the application process quick and seamless so apply today!

How are rates customized?

Applicants answer questions about their lifestyle and health through our simple online form. Bestow’s in-house underwriting platform instantly processes that data through our encrypted channels in a method called accelerated underwriting. This intelligent framework enables us to fully assess the risk of each applicant individually, without a medical exam, to get an underwriting decision instantly. Approved applicants get real rates, not quotes, at an affordable monthly price.

Do you look at my credit score?

Insurers look at the data behind your credit score (like timeliness of payments or if you’ve filed for bankruptcy), but not your credit score itself. Instead, they use this data to assign their own score, called a “mortality score”, to determine your level of risk. To be clear, the request for this data is only a soft credit inquiry, so this doesn’t impact your credit.

How does Bestow avoid requiring a medical exam?

Through questions about lifestyle and health, identity verification, and pulling available data about the individual applying such as prescription and credit history, driving records, and prior attempts at insurance, Bestow can underwrite policies as effectively as with a medical exam.

Finish your application.